Here is a small plethora of choices for my new signature. They are all edits of my original, which is seen below. View the index of them at:
http://www.mp-gaming.com/darkz/Images/dratinice/
Yea, it is. It's usually done by the engine itself in games, or in movies, they have special tools for it. 3DS Max and Photoshop have NOTHING to do with water.